Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 20, 2021

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The Facts of Life

  • If you have a U.S. life insurance policy but you’re moving, your policy will likely cover you under an international address
  • If you are moving abroad or currently live abroad but want a U.S. life insurance policy, you may have to do a bit of research
  • Living outside the U.S. could make your medical exam and signing your contract a bit more difficult

If you are a U.S. citizen and you’re planning to study or work abroad for an extended amount of time, or if you are currently living in another country but want life insurance coverage in the United States, you may be curious about your life insurance options.

Life insurance companies that offer insurance to people leaving the country can be tricky to find. And there are countless scenarios in which you may find yourself leaving the U.S. for somewhere new.

If this is your situation, what should you do about life insurance?

Your answer to this question may fluctuate based on your age, how long you will be out of the country, whether you have a current life insurance policy based in the U.S., and whether you are looking for whole or term life insurance.

Life insurance for expats and frequent travelers is certainly a possibility. You will simply need to do your homework to find life insurance quotes for people leaving the country.

If you’re searching for affordable life insurance for people leaving the country, be sure to try our free tool above to compare rates from top life insurance companies that could work for you.

How does life insurance work if I move outside the United States?

If you already have a life insurance policy in the United States, it is highly likely that your policy will cover you even if you submit a new address that is located abroad.

Life insurance rates for people leaving the country are often higher and more difficult to come by if you’ve already moved and are trying to get a U.S. life insurance policy while living in another country.

If you are traveling overseas and have yet to purchase a life insurance policy, or if you are a seasoned traveler who wants a bit of extra coverage, you may want to consider international travel life insurance.

Much like ordinary international travel insurance, international travel life insurance covers people specifically during their travels if something unexpected happens.

While most life insurance policies cover you if you are traveling outside of the country for work or something else, there may be some caveats to some policies.

In addition, depending on how much you travel, you may want an additional cushion to be sure your family and loved ones are taken care of in the event that something happens to you.

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Which life insurance companies offer insurance to people leaving the country?

As stated earlier, if you have an existing U.S. life insurance policy, most companies will continue to cover you if you move abroad.

But if you are currently searching for a life insurance policy while planning to move, or if you already live overseas, things might not be so simple.

One of the best things you can do, if you are leaving the country and looking for life insurance, is search for quotes online from life insurance companies for people leaving the country.

While not exact, these quotes may give you a good idea of what to expect when it comes to life insurance rates while living abroad.

What’s the best life insurance company that offers insurance to people leaving the country?

If you don’t know where to start looking for a life insurance company, some of the top insurance companies and options for traveling and living abroad include:

  • HTH Worldwide
  • John Hancock Insurance Agency
  • Seven Corners
  • Trawick International
  • USI Affinity Travel Insurance Services
  • AIG Travel
  • April International
  • AXA Assistance USA
  • Generali Global Assistance
  • Nationwide

All of these companies are considered frontrunners when it comes to international life insurance policy options. Which company is truly the best depends on your unique needs and budget.

You can research any of the companies or options above to get a better idea of how much a life insurance policy would cost for you.

Which life insurance companies don’t offer insurance to people leaving the country?

Sadly, life insurance companies that don’t offer insurance to people leaving the country are fairly common. But your options depend on your unique living situation.

For example, if you live outside the U.S. but will be moving back in the next few months, or if you are moving outside the U.S. but the move is short-term (anywhere from six months to four years), purchasing a policy may not be difficult.

But you will likely run into a problem finding coverage if you consider yourself an expat and plan to live outside the U.S. for the rest of your life.

Life insurance companies are all about assessing risk, and you pose a greater risk by living outside the United States. This is a big roadblock when it comes to finding international life insurance coverage.

Additionally, should you find coverage that seems like it would work for you, you may be required to travel back to the U.S. to complete your application, get an approved medical exam, and sign your official contract.

Your life insurance policy could get even more complicated if you are looking for high-risk coverage, like life insurance for COPD.

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What’s the best way to get life insurance if I’m leaving the country?

If you have not moved outside the U.S., your best option for finding life insurance coverage is to do your homework and purchase a policy you know will work internationally while you still have a U.S. address.

This will allow you to speak to representatives from different companies without much trouble, and you will also be able to sign the necessary documents and get any medical exams without having to travel.

If you do currently live internationally, you will have to search for companies that offer life insurance policies to people living abroad.

But don’t forget to make sure that the company carries the type of policy you want at a rate that works for you.

Even if it is a bit difficult, you will likely be able to find a policy that will work for you. You may just have to work a bit harder to find it.

If you are looking to buy life insurance for people leaving the country, be sure to enter your ZIP code into our free tool below to see all the options you have for coverage.